chapter 9 1 karerobcmspapat;tat;mu lb,tanb½rtr)ak;erol nigr)ak;duløargaemrike nakm

Chapter 9Chapter 9 11

karerobcMsPapat;Tat;mUlb,Tanb½RtR)ak;er

ol nigR)ak;duløarGaemri

kenAkm<úCa


karerobcMsPapat;Tat;mUlb,Tanb½Rt

R)ak;erolnigR)ak;duløarGaemrikenAkm<úCaEpñkTI 1 ³

RbtibtiþkarsMxan;²EdlBak;B½n§nwgbTBiesaFn_énkarTUTat;

EpñkTI 2 ³ ]bkrN_TUTat;

EpñkTI 3 ³ TidæPaBrYménsPapat;Tat;km<úCa

EpñkTI 4 ³ kic©dMeNIrkarsPapat;Tat;


EpñkTI 1RbtibtiþkarsMxan;²Bak;B½n§nwgbTBiesaFn_énkarTUTat;1- karRKb;RKgKNnIraCrdæaPi)al

2-karRKb;RKgKNnIRKwHsßanFnaKar nig hirBaØvtßú

3-karbg;Bn§edaypÞal;enAFnaKarCatiénkm<úCa

4-karbg;Bn§Kynigrdæakr

5-karbg;cMNUlkUtarbs;RksYgBaNiC¢kmµ

6-karepÞrR)ak;rtnaKarCati

7-karedjéføb½NÑrtnakar


1-karRKb;RKgKNnIraCrdæaPi)al

1- EbbbTénkarebIkKNnI- BaküsMuebIkKNnI- lixitbBa

¢ak;lkçN³Rsbc,ab;énkarbegIátGgÁPaB

¬lkçniþk³ b¤lixitGnuBaØatrbs;GaCJaFrGaNaBüa)al¦

- lixitbBa¢ak;nItiPaBbuKÁlm©as;KNnI

- KMrUhtßelxam©as;KNnI nig GñkTTYlsiTi§

- nItiviFIénkareRbIR)as;KNnI- KMrURta . l.


1-karRKb;RKgKNnIraCrdæaPi)al2- lkçN³KNnI

RbePTKNnIcrnþCaR)ak;erolnigCaR)ak;duløarGaemrik. KNnIR)ak;erolman 97 KNnI

nigKNnIR)ak;duløarGaemrikman 242 KNnI. srubKNnIrdæaPi)alman 329 KNnI.

man 2 RkumKNnIKW ³ RkumEdlRKb;RKgpÞal;edayRksYgesdækic© nighirBaØvtßú sMKal;

edayGkSr T (Treasury) man 122 KNnI nig RkumEdlRKb;RKgedayRksYg sßab½n

GgÁPaBGnuvtþKMerag sMKal;edayGkSr A(Agency)man 207 KNnI.3-nItiviFIénkareRbIR)as;KNnI

RkumKNnIGkSr (T) kardksac;R)ak; karepÞr b¤bEgVr RtUveRbImUlb,Tanb½Rt (Cheque)

lixitdksac;R)ak; (Cash withdrawal order)

b¤lixitbEgVr (Money transferorder).

RkumKNnIGkSr (A) kardksac;R)ak; karepÞr b¤ bEgVr RtUveRbIEtmUlb,Tanb½Rt

(Chequ) EtmYymuxKt;.


1-karRKb;RKgKNnIraCrdæaPi)al4- GMBIkarTMnak;TMng

- m©as;KNnInimYy² RtUv]eTÞsnambuKÁlikya:gticmñak;sRmab;Tak;Tgkargar TTYlyk

Rbkas\NBn§ Rbkas\NTan b¤ ÉksarepSg² edIm,IFanasuvtißPaBmin)at;;bg;

b¤ FøaykarsMgat;CaedIm.- naykdæanRbtibtiþkar

RtUvpþl;taragsMrg;sßanPaBKNnI (Statement of account )

erogral;dMNac;Ex nig bBa¢ak; smtulüKNnIral;eBlmansMeNIBIm©as;KNnI.

-edayET,kKNnIrtnaKarCati mankareRbobeFobsßanPaBerogral; 10 éf¶.


2-karRKb;RKgKNnIRKwHsßanFn

akar nig hirBaØvtßú- KNnIcrnþ

- KNnIR)ak;tMkl;FanaelIedImTun

- KNnITunbRmugkatBVkic©

- KNnIR)ak;beBaIØmankalkMNt;

- KNnIepSgeTotrbs;RKwHsßanFnaKar nig hirBaØvtßú


k- KNnIcrnþ

- KNnIcrnþCaR)ak;erol nig CaR)ak;duløarGaemrik

- kardksac;R)ak; karepÞr b¤ bEgVr RtUvEteRbImUlb,Tanb½Rt (Cheque) mYymuxKt;

- k¾CaKNnIsRmab;TUTat;karpat;Tat;. naykdæanRbtibtiþkarTUTat;tamlT§pl

sPapat;Tat; ¬tarag PPC

02¦mincaM)ac;manmUlb,Tanb½RteT.- kareRbIsRmab;TUTat;karpat;Tat;

FnaKarGacesIñsMu\NTanvi)arUbn_ (Overdraft)

edaydak;FanaedayviBaØabnb½RtR)ak;beBaIØmankalkMNt;.

- KNnIenHKµankarR)ak;eT.


x- KNnIR)ak;tMkl;FanaelIedImTun (Capital Guarantee)

- FnaKarBaNiC¢ RtUvmanedImTunGb,brma 50 Ban;lanerol nig RtUvdMkl;R)ak;FanaelIedImTuncMnYn 10 PaKryénedImTun CaRbcaMkñúgKNnIenH. kardMkl;GaceFIVCaR)ak;erolb¤ CaR)ak;duløarGaemrik b:uEnþminGacpøas;bþÚr)aneT,Iy. KNnIR)ak;dMkl;CaerolTTYl)ankarR)ak; 1¼2 énGRtabunhirBaØb,Tan Kitry³eBl 6 Ex mþg. KNnIR)ak;dMkl;CaduløarGaemrikTTYl)ankarR)ak; 3¼8 énGRta SIBOR ¬GRtaéf¶TI 01-07-05 KW 1>39° kñúg 1 qñaM¦ Kitry³eBl 6 Ex mþg.

- FnaKarÉkeTs RtUvmanedImTunGb,brma 10 Ban;lanerol nig RtUvtMkl;R)ak;FanaelIedImTuncMnYn 5° énedImTun CaRbcaMkñúgKNnIenH. kardMkl;GaceFIVCaR)ak; b¤CaR)ak;duløar Gaemrik b:uEnþminGacpøas;bþÚr)aneT,Iy. KNnIR)ak;dMkl;enHminTTYl)ankarR)ak;eT.


x-KNnIR)ak;tMkl;FanaelIedImTun (Capital Guarantee)

- RKwHsßanmIRkUhirBaØvtßú RtUvmanedImTunGb,brma 250 lanerol nigRtUvdMkl;R)ak; FanaelIedImTuncMnYn 5° énedImTun CaRbcaMkñúgKNnIenH. kardMkl;GaceFIVCaR)ak;erol b¤ CaR)ak;duløarGaemrik b:uEnþminGacpøas;bþÚr)aneT,Iy. KNnIR)ak;dMkl;enH minTTYl)ankarR)ak;eT. - GacdkR)ak;BIKNnIenH)an d¾rabNaEtRKwHsßanRtUv)anCMrHbBaI¢ nigKµanR)ak;beBaIØenAxag RTBüGkmµ.

K-KNnIR)ak;bRmugkatBVkic© (Researve Requirement)

RKwHsßanFnaKar nig hirBaØvtßú RtUvtMkl;R)ak;bRmugkatBVkic© ³

cMnYn 16° énR)ak;beBaIØGtifiCn ¬cMeBaHFnaKarBaNiC¢¦

cMnYn 5° énR)ak;beBaIØGtifiCn ¬cMeBaHFnaKarÉkeTs¦

cMnYn 5° énR)ak;beBaIØGtifiCn ¬cMeBaHRKwHsßanmIRkUhirBaØvtßú¦

kardMkl;GaceFIVCaR)ak;erol b¤ CaR)ak;duløarGaemrik nigGacpøas;bþÚr)an

KNnIenHminTTYl)ankarR)ak;eT.


K-KNnIR)ak;beBaIØmankalkMNt; (Time Deposit)

- R)ak;beBaIØmankalkMNt;CaR)ak;erolmanry³eBl 3 Ex/ 6 Ex nig 1 qñaM TTYl)an

karR)ak;tamGRta 1/00° 1/20° 2/00° kñúg 1 qñaM.

- R)ak;beBaIØmankalkMNt;CaR)ak;duløarGaemrikmanry³eBl 1 Ex/ 3 Ex nig 1 qñaM

TTYl)ankarR)ak;tamGRtaRbcaMqñaM 6¼8 énGRta SIBOR Rate.

]TahrN_ ³ GRtakarR)ak; R)ak;beBaIØnaéf¶TI 15-08-05 ry³eBl 1 Ex = 2>68°/

ry³eBl 3 Ex = 2>85° ry³eBl 6 Ex = 3/03° nig ry³eBl 1 qñaM = 3/23°.

- R)ak;beBaIØmankalkMNt;TaMg 2 RbePTenH GacGnuBaØat[dkmunkalkMNt;)an b:uEnþ

minTTYl)ankarR)ak;eT.


g-KNnIepSgeTotrbs;RKwHsßanFnaKar nig hirBaØvtßú- KNnIR)ak;beBaIØCMrHbeBaIØ

(Liquidation

deposit)sRmab;FnaKarEdlRtUvbBaÄb;skmµPaBdak;[CMrHbeBaIØEtminTan;cb; enATTYl)anR)ak;BIkarRbmUlbMNul karlk;GclnRTBü nig cMNaysgR)ak;beBaIØGtifiCn cMNaykñúgkarbwþgbþl;CaedIm. KNnIenH cat;EcgedaynaykdæanRtYtBinitü CaRbePTKNnIBüÜr (Suspend account) nigRtUvbiT eBledaHRsay karCMrHbBaI¢cb;.- KNnIdMkl;smtulüCMrHbBaI¢ (Rest balance

for liquidation) sRmab;dMkl;R)ak;beBaIØGtifiCnFnaKarEdlCMrHbBaI¢rYcehIy EtminTan;mkebIk. eBlmkebIk GtifiCnenaHRtUvbgðajÉksardl;naykdæanRtYtBinitüedIm,IGnuBaØat. KNnIenH k¾CaRbePTKNnIBüÜr nigRtUvbiTeBlGtifiCndkR)ak;Gs.


3-karbg;Bn§edaypÞal;enAFnaKarCatién

km<úCa- cab;BIEx 11-01 RksYgesdækic©nighirBaØvtßú )ansMNUmBr[FnaKarCatiénkm<úCa TTYlkarbg;R)ak;Bn§GakredaypÞal;BIGñkCab;Bn§FM. bnÞab;mkcab;BIEx 10-04 RksYgesdækic© nighirBaØvtßú)an[GñkCab;Bn§GakrmFümmkbg;Bn§edaypÞal;EfmeTot. srubskmµPaBRbcaMExmanCag 4>200 Rbtibtiþkar.- karbg;Bn§CaR)ak;erol bg;cUlKNnIR)ak;beBaIØCaerolrbs;GKÁnaykdæanBn§dar.- Gñkbg;Bn§Gacbg;Casac;R)ak; ¬RbmaN 60°¦ b¤ CamUlb,Tanb½Rt ¬RbmaN 40°¦. cab;BIEx 06-05 TwkR)ak;Bn§cab;BI 4 laneroleT,IgRtUvbg;CamUlb,Tanb½Rt.- karRbKl;mUlb,Tanb½Rtmunema:g 8/30 RBwk naykdæanRbtibtiþkarGacbBa¢ÚneTAsPapatTat; nigTTYl)ankarTUTat;kñúgéf¶. karRbKl;eRkayema:g 8/30 RBwk nwgbBa¢ÚneTAsPapat;Tat; nig TTYl)ankarTUTat;enAéf¶eFIVkarbnÞab;.


3-karbg;Bn§edaypÞal;enAFnaKarCatién

km<úCa- karbg;Casac;R)ak; Gñkbg;Bn§TTYl)anb½NÑbg;R)ak; nigkarbg;CamUlb,Tanb½Rt Gñkbg;Bn§TTYl)anRbkas\NTansRmab;ykeTARbKl;[GKÁnaykdæanBn§dar.- enAerogral;cugéf¶ smtulükñúgKNnIrbs;GKÁnaykdæanBn§dar RtUvepÞrcUlKNnIR)ak;erolrbs;KNnIGKÁnaykdæanrtnaKarCati.


4-karbg;Bn§Ky nig rdæakr

- cab;BIEx 02-05 RksYgesdækic©nighirBaØvtßú )ansM

NUmBr[FnaKarCatiénkm<úCa TTYl

karbg;R)ak;Bn§KynigrdæakredaypÞal;BIGñkbg;Bn§ EdlRtUvbg;tamkariyal½y nig TIsñak;kar

cMnYn 10 kEnøgkñúgraCFanIPMñeBj.

- Gñkbg;Bn§ Gacbg;Casac;R)ak;b¤CamUlb,Tanb½Rt ¬PaKeRcInCamUlb,Tanb½Rt¦cUlKNnI GKÁnaykdæanKynigrdæakrCati EdlenAcugéf¶RtUvepÞrTaMgGs;cUlKNnIrtnaKarCati.

- nItiviFIénkarRbKl;mUlb,Tanb½Rt GnuvtþdUckarbg;Bn§GakrCUnGKÁnaykdæanBn§darEdr.


5-karbg;cMNUlkUtarbs;RksYgBaNiC¢kmµ

-RksYgBaNiC¢kmµebIkKNnIR)ak;erolcMnYn 4 nig R)ak;duløarGaemrikcMnYn 5 sRmab;bg;cMNUlBIkUtanaMecjsMelokbMBak;tamRbB½n§ MFN/GSP

Edlkan;kab;edayKN³kmµkarRKb;RKgkUta naMecj (EQMC).- karbg;cMNUl RksYgBaNiC¢kmµTTYlEtmUlb,Tanb½Rt minTTYlsac;R)ak;eT ehIyRbKl;mUl,Tanb½RtTaMgenaH[naykdæanRbtibtiþkar edIm,IeFIVebT,anic½ytamry³sPapat;Tat;.- karepÞrR)ak;BIKNnIR)ak;erolcUlKNnIGKÁnaykdæanrtnaKarCati nig epÞrR)ak;BIKNnIR)ak;duløarGaemrikcUlKNnIfvikardæCarUbiyb½NÑ RtUveRbImUlb,Tanb½Rt EdlPaKeRcInmYyEx eTIbepÞrmþg.


6-karepÞrR)ak;rtnaKarCati- edIm,IGnuvtþRbtibtiþkarepÞrR)ak; rtnaKarextþ-Rkug )anebIkKNnIR)ak;beBaIØcrnþCaerol nig CaduløarGaemrik enAtamsaxaFnaKarCatiénkm<úCaextþ-Rkug enaHelIkElgEt ³1-rtnaKarraCFanIPMñeBj

ebIkKNnIenATIsñak;karkNþalFnaKarCatiénkm<úCa2-rtnaKarextþ]tþrmanC½y

ebIkKNnIenAsaxaFnaKarCatiénkm<úCaextþbnÞaymanC½y3-rtnaKarRkugéb:lin

ebIkKNnIenAsaxaFnaKarCatiénkm<úCaextþ)at;dMbg4-rtnaKarextþRBHvihar

ebIkKNnIenAsaxaFnaKarCatiénkm<úCaextþkMBg;FM nig5-rtnaKarextþmNÐlKirI

ebIkKNnIenAsaxaFnaKarCatiénkm<úCaextþkMBg;cam.- GKÁnaykdæanrtnaKarCati nig rtnaKarextþ-RkugGacepÞrR)ak;eTAvij eTAmkedayminmanbg;kMér:esvaeT. rtnaKarextþ-RkugepÞrR)ak;erolmkGKÁnaykdæanrtnaKarCati KNnIR)ak;erol nig epÞrR)ak;duløarGaemrikmkKNnIfvikardæCarUbiyb½NÑ.


6-karepÞrR)ak;rtnaKarCati- FnaKarepIþmRbtibtiþkarRtUveFIVbBa¢aepÞrR)ak; edaymandak;elxsm¶at; (Testkey) rYcbBa¢Ün eTAFnaKareKaledAtamTUrsar (Fax).- edIm,IedaHRsaysac;R)ak; bBa¢ÚneTAtamsaxaFnaKarCatiénkm<úCaextþ-Rkug GKÁnaykdæan rtnaKarCati)anelIkEpnkarcMNUl-cMNaysac;R)ak;tamry³rtnaKarextþ-RkugnimYy² CUnFnaKarCatiénkm<úCa enAerogral;edImEx.


7-karedjéføb½NÑrtnaKar- eyagtamc,ab;sRmab;karRKb;RKghirBaØvtßúRbcaMqñaMnimYy² GnuBaØat[RksYgesdækic© nig hirBaØvtßú e)aHpSayb½NÑrtnaKarRbePTKNnIcrnþry³kal 3 Ex kñúgkRmitsmtulü 50 Ban; lanerol. cab;BIEx emsa qñaM 2003 FnaKarCatiénkm<úCa)anCYyerobcMkaredjéfølk;b½NÑ rtnaKare)aHpSaytamExnimYy² [RKwHsßanFnaKar nighirBaØvtßúenAerogral;edImEx cMnYnCamFüm 16 Ban;lanerol.- GRtakarR)ak;TabCag 6 PaKrykñúgmYyqñaM EdltamkarGnuvtþkñúgkaredjéfø FnaKarcUlrYmRtUvdak;éføTijcab;BI 98/500 erol kñúgtémøcarwt 100 erol.- cab;BIEx 04-05 RksYgesdækic© nig hirBaØvtßú)ane)aHpSayb½NÑrtnaKarbnßy 5Ban; lanerolCaerogral;Ex eFIV[smtulücugEx 08-05 enARtwm 32>900 lanerol.


EpñkTI 2]bkrN_TUTat;

1- mUlb,Tanb½Rt (Cheque, Check)

2- plb½RtBaNiC¢ (Commerical Paper)

3- karepÞr (Transfer)

4- b½NÑ\NBn§ nig b½NÑ\NTan (Debit Card & Credit Card)

5- kas nig RkdasR)ak; (Coins & Bank notes)


1-mUlb,Tanb½Rt (Cheque)

k-niymn½y mUlb,Tanb½Rt KWCabBa

¢aKµanlkçxNÐ Calaylkç½NGkSrEdltamry³enH buKÁlmñak; ehAfa bhar½k (drawer) ecjbBa¢a[buKÁlmñak;eTot ehAfa bharit (drawee) EdlRtUvEt CaFnaKar [cMNaysgTwkR)ak;mYycMnYnmk[xøÜn b¤eTA[buKÁlmñak;eTot Edl)anbBa¢ak; c,as; ehAfa GtßKahk (beneficiary) b¤eTA[Gñkkan;mUlb,Tanb½RtenaH (bearer) edaydk ykBIR)ak;Edl)andak;epIJkñúgKNnIrbs; bhar½k Edlkan;kab;eday FnaKarbharitenaH ¬maRta 3¦.


x-lkçN³critsMxan;énmUlb,Tanb½Rt

mUlb,Tanb½Rt GacRtUv)ansresrCaGkSrExµr b¤CaGkSrbreTs nig RtUvEtmannieTÞsTaMgT,aydUcxageRkam ³1-Baküfa mUlb,Tanb½Rt EdlcarwtCaPasaNamYy EdleRbIkñúgkarecj]bkrN_enH2-bBa¢aeday\tlkçxNÐ [TUTat;sgcMnYnR)ak;CakMNt;mYy3-eQµaHrbs;bharit EdlCaFnaKarRtUvTUTat;sgR)ak;4-kEnøgEdlRtUveFIVkarTUTat;sgR)ak;5-kalbriecäT nig kEnøgEdlmUlb,Tanb½RtRtUv)anecj6-htßelxarbs;bhar½k EdlCabuKÁlecjbBa¢aelImUlb,Tanb½Rt ¬maRta 4¦


K-RbePTepSg²énmUlb,Tanb½Rt1-mUlb,Tanb½RtcMh (Open cheque)

mUlb,Tanb½RtEdlminmanKUsqñÚt KWCamUlb,Tanb½RtcMh. mUlb,Tanb½RtcMh Gacdk R)ak;)anedayGñkkan; ¬mUlb,Tanb½RtcMeBaHGñkkan;¦ b¤edaybuKÁlEdlbBa¢ak;eQµaHc,as; elImUlb,Tanb½Rt ¬mUlb,Tanb½RtsgtambBa¢a¦.mUlb,Tanb½RtcMeBaHGñkkan; (Bearer

Cheque)

KWCamUlb,Tanb½RtEdlFnaKarRtUvsgR)ak;eTA[Gñkkan; eBlmUlb,Tanb½RtRtUv)anbgðaj.mUlb,Tanb½RtsgtambBa¢a (Order Cheque)

FnaKarRtUvsgR)ak;[buKÁlEdlmaneQµaH elImUlb,Tanb½RtedayepÞógpÞat;CamYyGtþsBaØaNb½NÑ b¤ ÉksarpøÚvkarnana.


K-RbePTepSg²énmUlb,Tanb½Rt2-mUlb,Tanb½RtqUt (Crossing cheque)

mUlb,Tanb½RtGacRtUvqñÚ edIm,IkarBarkMu[eKdksac;R)ak;BIFnaKar edaytRmUv[epÞr TwkR)ak;enaHcUlkñúgKNnIenAFnaKarvij.karqUt

CakarKUsbnÞat;RsbBIrmuxmUlb,Tanb½Rt. bnÞat;qUtGacmanBIrEbb KWbnÞat;qUt TUeTA nig bnÞat;qUtBiess. bnÞat;qUtTUeTA manbnÞat;KUsEtBIr b¤enAcenøaHbnÞat;TaMgBIrmanBaküfa {FnaKar} b¤BaküepSgeTotEdlmann½ydUcKña. bnÞat;qUtBiess maneQµaHrbs;FnaKarenAcenøaHbnÞat;TaMgBIr.bnÞat;qUtTUeTA

GacbþÚreTACabnÞat;qUtBiess)an b:uEnþbnÞat;qUtBiess minGacbþÚrmkCabnÞat;qUtTUeTAvij)aneT,Iy.


K-RbePTepSg²énmUlb,Tanb½Rt3-mUlb,Tanb½RtFanacMNay

(Certified Cheque)

KWCamUlb,Tanb½RtFmµta Edlbhar½tecjsRmab;TUTat;[GtßKahk kñúgkrNIEdlGtßKahk minTukcitþ eKTamTar[mankarbBa¢ak;BIFnaKarGMBIkarFanaTUTat; ¬ry³eBlsuBlPaB 8 éf¶¦. putkMNt;enH TwkR)ak;EdlFnaKar)andkTuk RtUvbEgVrcUlKNnIrbs;m©as;KNnIvij ehIy mUlb,Tanb½RtkøayCamUlb,Tanb½RtFmµta.4-mUlb,Tanb½RtFnaKar (Banker’s Cheque)

KWCamUlb,Tanb½RtEdlecjedayFnaKar pþl;[GtßKahkEtmþg. mUlb,Tanb½RtFnaKar GacRtUvGñkEdlKµansiTi§ecjmUlb,Tanb½Rt ¬GñkmanKNnIsnMS¦ sMuBIFnaKaredIm,IykeTATUTat;[GtßKahk. CaTUeTA FnaKardkykkMér:esvaBIkarecjmUlb,Tanb½RtenH.


K-RbePTepSg²énmUlb,Tanb½RtbidiæelxmUlb,Tanb½Rt (Endorsement)

bidiæelx CahtßelxaEdl)ancuHenAxagxñgmUlb,Tanb½Rt edIm,IepÞrsiTi§TaMgGs;EdlekItecjGMBImUlb,Tanb½RteTA[Gñkkan;. bidiæelxelImYyEpñkéncMnYnR)ak;kñúgmUlb,Tanb½RtRtUvcat;TukCaemaX³. bidiæelxRtUvEt)aneFIVeT,Igeday\tlkçxNÐ. lkçxNÐNamYyEdlRtUv)andak;ecjCakmµvtßúcMeBaHkareFIVbidiæelxmUlb,Tanb½Rt minRtUvykCa)ankareT,Iy. mUlb,Tanb½RtGac RtUv)anbidiæelx eTaHbI[eTAbhar½k b¤eTAPaKINamYyepSgeToténmUlb,Tanb½RtenaHkIþ.bidiäelxEdleFIVeT,IgedayharitRtUvcat;TukCaemaX³. bidiæelxGacminbBa¢ak;BIGtßKahk b¤GacmanEthtßelxarbs;GñkeFIVbidiäelxb:ueNÑaHehAfabidiæelxcMh.bharitEdlTUTat;sgmUlb,Tanb½Rtmanbidiäelx RtUvTTYlxusRtUvepÞógpÞat;RbRktIPaBénlMdab;bidiæelx b:uEnþminepÞógpÞat; htßelxaGñkeFIVbidiäelxeT,Iy.


K-RbePTepSg²énmUlb,Tanb½Rt5-mUlb,Tanb½RteTscrN_ (Travellers

Check)

mUlb,Tanb½RteTscrN_ CYy[GñkeTscr b¤GñkCMnYjgayRsYlkñúgkareFIVdMeNIr. mUlb,Tanb½RteTscrN_enH mantémøcarwtCarUbiyvtßúkñúgRsuk b¤ CarUbiyb½NÑ. eBlRbKl;[

eTAGtßKahk eKGacykmUlb,Tanb½RtenaH eTAdkR)ak;BIFnaKar b¤saxarbs;FnaKar b¤ FnaKarTMnak;TMngCamYyFnaKarecjpSayEdlmanenABaseBjBiPBelak. GtßKahkk¾Gac

eRbIedIm,ITUTat;[GñkTI 3 eTot)anEdr dUcCasNæaKar b¤ePaCnIydæanCaedIm. karebIksac;R)ak; b¤ cMNaysg RtUvEtmankat;kMéresvatamkarkMNt;rbs;FnaKarTUTat;mUlb,Tanb½Rt. mUlb,Tanb½RteTscrN_ BMumankRmitry³eBlsuPaBeT.


X-KuNsm,tiþ nigKuNvibtiþénmUlb,Tanb½Rt

k-KuNsm,tiþ

mUlb,Tanb½Rt mansPaBTn;Pøn; eBalKWeKGacsresrcMnYnTwkR)ak;b:unµank¾)anelI

mUlb,Tanb½Rt [EtKNnIrbs;GñkecjpSay ¬bhar½k¦ mansMviFanvtßúRKb;RKan;.

x-KuNvibtiþ

mUlb,Tanb½RtminsUvmansuvtißPaBl¥ edaysarEtKµan b¤ mansMviFanvtßúminRKb;RKan;

nigGacEkøgbnMø)an.


2-plb½RtBaNiC¢kmµ (Commercial Paper)

plb½RtBaNiC¢kmµmanBIrRbePT KWrUbiyaNtiþ nig b½NÑsgtambBa¢a.k-rUbiyaNtiþ (Bills of Exchange or Draft)

rUbiyaNtiþ CabBa¢alayl½kçN_GkSreday\tlkçxNÐ ecjedaybuKÁlmYy[eTAbuKÁldéT cuHhtßelxaedaybuKÁlCaGñkecjbBa¢a tRmUv[buKÁlCaGñkTTYlbBa¢aTUTat;sgcMnYnR)ak;CakMNt;mYy[eTA b¤ tambBa¢abuKÁlmYyeTot b¤Gñkkan;.rUbiyaNtiþ RtUvEt)anTUTat;sgenA\

NRbtiTan. rUbiyaNtiþCa]bkrN_\NTan. rUbiyaNtiþGacRtUv)ansresrCaGkSrExµr b¤GkSrbreTsnigRtUvmannieTÞsTaMgT,ay dUcxageRkam³


1-Baküfa rUbiyaNtiþ EdlcarwtCaPasarNamYyeRbIkñúgkarecj]bkrN_enH2-bBa¢aeday\tlkçxNÐ[TUTat;sgnUvcMnYnR)ak;CakMNt;mYy3-eQµaHrbs;bharit (Drawee) EdlCabuKÁlRtUvTUTat;sgR)ak;4-ry³eBlkMNt;RtUvTUTat;sgR)ak;5-kEnøgEdlRtUveFIVkarTUTat;sgR)ak;6-eQµaHrbs;buKÁlEdlTTYlkarTUTat;sgR)ak; b¤ eQµaHrbs;buKÁlEdlmanbBa¢a[TUTat;sgR)ak;cMeBaHxøÜn

7-kalbriecäT nig kEnøg EdlrUbiyaNtiþRtUv)anecjpSay8-htßelxarbs;har½k (Drawer) EdlCabuKÁlecjbBa¢aelIrUbiyaNtiþ.


x-b½NÑsgtambBa¢a (Promissory Notes)

b½NÑsgtambBa¢a Cakarsnüalayl½kçN_GkSreday\tlkçxNÐEdleFIVeT,Ig nig cuHhtßelxa edaybuKÁlCaGñkecjb½NÑEdlsnüasgcMnYnR)ak;CakMNt;mYy [eTAb¤tambBa¢abuKÁlmYyeTot b¤ Gñkkan;.b½NÑsgtambBa¢a Ca]bkrN_\NTan

nigRtUvEt)anTUTat;sgR)ak;enAeBldl;\NRbtiTankñúgb½NÑsgtambBa¢a kUnbMNulehAfaGñkecjpSay TTYlsÁal;bMNul nig snüaTUTat;eTA m©as;bMNul b¤sgeTAttiyCnCaGtßKahk kñúgry³eBlmYyCakMNt; nUvTwkR)ak;mYycMnYn EdlCMBak;.

FnaKarvikb, (Domiciliation) EdlbBa¢ak;elIb½NÑsgtambBa¢a KWCaeQµaHFnaKar nigelxKNnIEdlbharitedATuksRmab;[bBa¢ÚneTAsMukarTUTat;enAkalkMNt;.


x-b½NÑsgtambBa¢a (Promissory Notes)

b½NÑsgtambBa¢a GacRtUv)ansresrCaGkSrExµr b¤GkSrbeTs ehIyRtUvEtmannieTÞs TaMgT,aydUcxageRkam ³1-Baküfa b½NÑsgtambBa¢a

EdlcarwtCaPasaNamYyeRbIkñúgkarecjb½NÑ2-karsnüaTUTat;sgeday\tlkçxNÐ

nUvcMnYnR)ak;CakMNt;mYy3-ry³eBlkMNt;RtUvTUTat;sgR)ak;4-

kEnøgEdlRtUveFIVkarTUTat;sgR)ak;5-eQµaHrbs;buKÁl

EdlTTYlkarTUTat;sgR)ak; b¤eQµaHrbs;buKÁlEdlmanbBa¢a[

TUTat;sgR)ak;6-kalbriecäT nig

kEnøgEdlb½NÑsgtambBa¢enaHRtUv)anecj7-htßelxarbs;Gñkecjb½NÑ

EdlCabuKÁleFIVkarsnüaelIb½NÑsgtambBa¢a.


K-KuNsm,tiþ nigKuNvibtiþénplb½RtBaNiC¢

k-KuNsm,tiþ

plb½RtBaNiC¢kmµ manPaBTn;Pøn;dUcmUlb,Tanb½RtEdr.

x-KuNvibtiþ

plb½RtBaNiC¢kmµminsUvmansuvtißPaBl¥ edaysarEtKµankarFanaTUTat;eBal

KWEp¥kelI\NTanrbs;PaKIbdiPaKEtb:ueNÑaH.


3-karepÞr (Transfer)

KWCabBa¢a EdlecjedayGtifiCn ¬GñkecjbBa¢a¦ eTAFnaKar[epÞrR)ak;tamry³kardkBIKNnIrbs;xøÜn ¬cuH\NBn§¦ bBa©ÚleTAkñúgKNnIrbs;GñkTTYlR)ak; ¬cuH\NTan¦. TRmg;énkarepÞrenH ehAfa karepÞr\NTan.manbBa¢axøHeTot

RtUv)anGtifiCnecjeTA[FnaKar dkR)ak;BIKNnIrbs;ttiyCnCaGñksgR)ak; edayEp¥kelIkarGnuBaØatBIGñksgR)ak; bBa©ÚlmkkñúgKNnIrbs;xøÜn ¬GñkecjbBa¢a¦. karepÞrEdleFIVeT,IgtambBa¢aEbbenHehAfa karepÞr\NBn§.eTaHtamRTg;RTayNak¾eday

RbtibtiþkarepÞrtRmUv[PaKIBak;B½n§ EdlCaGñksgR)ak;nigGñkTTYlR)ak; RtUvmanKNnIenAFnaKar.


k-karepÞr\NBn§ (Debit Transfer)

CaRbtibtiþkarTUTat;sgR)ak; EdlepIþmeT,IgedayGñkTTYlR)ak; bBa¢aeTAFnaKarrbs;xøÜn

edayEp¥kelIkarGnuBaØatBIGñksgR)ak; [eFIVkarTarR)ak;BIKNnIGñksgR)ak;.

]TahrN_énkarepÞr\NBn§ ³

- Rkumh‘unFanara:b;rg edayEp¥kelIkic©snüaTijb½NÑFanara:b;rg )anbBa¢a[FnaKardkR)ak;

BIKNnIGtifiCnsg[xøÜnCaRbcaMEx.

- GñkTTYlmUlb,Tanb½Rt )anykmUlb,Tanb½RtRbKl;[FnaKarepÞrR)ak;cUlKNnI

rbs;xøÜn.


x-karepÞr\NTan (Credit Transfer)

CaRbtibtiþkarTUTat;sgR)ak; EdlepIþmeT,IgedayGñksgR)ak; ecjbBa¢aTUTat;eTAFnaKar

rbs;xøÜn epÞrmUlniFiecjBIKNnIrbs;xøÜneTA[GñkTTYlR)ak;.

]TahrN_énkarepÞr\NTan ³

- shRKasecjbBa¢aTUTat; [FnaKardkR)ak;BIKNnIrbs;xøÜn edIm,ITUTat;ebovtSbuKÁlik kmµkr edayepÞrcMnYnR)ak;eTAkñúgKNnIrbs;buKÁlik kmµkrerog²xøÜn tamtaragebovtS.

- Rkumh‘unecjbBa¢a[FnaKardkR)ak;BIKNnIrbs;xøÜn edIm,ITUTat;bMNulGñkpÁt;pÁg; eday

bBa©ÚlcMnYnR)ak;enaH eTAkñúgKNnIrbs;GñkpÁt;pÁg;.


KuNsm,tiþ nigKuNvibtiþénkarepÞr

k-KuNsm,tiþ

karepÞrmanPaBrh½srhYn mansuvtißPaB nig Gs;esah‘uyefak.

x-KuNvibtiþ

- karepÞrmanKMlateBlevlarvagRbtibtiþkar nig karTUTat;

- Ep¥kelI\NTanrbs;FnaKarecjpSay nig GñkTTYl.


4-b½NÑ\NBn§nigb½NÑ\NTan (Debit Card & Credit Card)

k-b½NÑ\NBn§ (Debit Card or Bank Card)

b½NÑ\NBn§ RtUv)anecjedayRKwHsßanFnaKar[Gñkkan;b½NÑEdlRtUvdak;R)ak;Camun nigGnuBaØat [eFIVkarTUTat;tamry³b½NÑenaH nUvral;karcMNayrbs;xøÜn b¤ dksac;R)ak;BIkñúgma:sIundkR)ak;sV½yRbvtiþ (ATM : Automated Teller Machine)

rbs;FnaKar.kareRbIR)as;b½NÑ\NBn§

minsUvTUlMTUlayeT. FnaKarxøH)anecjb½NÑRbePTenH edayKYbpMSnwgKNnIsMéc.

x-b½NÑ\NTan (Credit Card) b½NÑ\NTan RtUv)ane)aHpSayedayRKwHsßan\NTanÉkeTs k¾dUcCaFnaKarEdr. b½NÑenH pþl;siTi§nUvkarebIk\NTanCaRbcaM Edl)anRBmeRBogtamTMhMén plTunrbs;samIm©as;. m©as;b½NÑ\NTan TUTat;karTijTMnijrbs;xøÜnedayeRbIb½NÑ ehIyTwkR)ak; énkarTijenaH nwgbBa©ÚleTAkñúg {KNnI\NTan} rbs;xøÜn EdlnwgRtUvsgtamGMT,úgeBlRsuHRsYl CaTUeTARbcaMExtamry³RbB½n§TUTat;.


KuNsm,tiþ nigKuNvibtiþénb½NÑ\NBn§ nigb½NÑ\NTan

k-KuNsm,tiþ

b½NÑ\NBn§nigb½NÑ\NTan manPaBTn;Pøn;kñúgkareRbIR)as; gayRsYlyktamxøÜn

mansuvtißPaB ¬EtkñúgRbB½n§EdlmankarGnuBaØat¦ nigmanlkçN³Casakl

¬bNþajFMTUlay¦.

x-KuNvibtiþ

- b½NÑ\NBn§ RtUvEtdak;R)ak;CamunenAFnaKar

- b½NÑ\NTan RtUvEtmanebIkKNnIenAFnaKar

- xVHsuvtißPaBkñúgkrNImankar)at;bg; b¤ RtUvlYc ¬edaysarRbB½n§cuHelxsMgat;¦.


5-kas nigRkdasR)ak; (Coins & Bank Notes)

]bkrN_TaMg 4 RbePTEdl)anbgðajrYcmkehIy ehAfa rUbiyvtßúelxna ¬cuHbBaI¢¦. cMeBaH

kas nigRkdasR)ak; eKehAfa rUbiyvtßúCasac;R)ak;. karniymeRbIR)as;sac;R)ak;enAkm<úCa

qøúHbBa©aMg[eXIjnUvPaBTn;exSayénRbB½n§TUTat;.

KuNsm,tiþ nig KuNvibtiþénkas

KuNsm,tiþ ³ kasmanlkçN³c,ab;kñúgkardak;[cracr nigGaceRbIR)as;)anyUr.

KuNvibtiþ ³ - manTMgn;Bi)akyktamxøÜn.

- témøépÞkñúgkas bgá[mankarrkSakasTukminbeBa©jeRbIR)as;edaysar

Ettémøelah³EdlykmkeFIVkas x<s;Cagtémøcarwtrbs;va.


KuNsm,tiþ nig KuNvibtiþénRkdasR)ak;

KuNsm,tiþ ³ - RkdasR)ak;manlkçN³c,ab;kñúgkardak;[cracr

- manTMgn;RsalgayyktamxøÜn

- manlkçN³sklkñúgRbeTs GaceRbIR)as;edaybuKÁlRKb;rUb nigRKb;TIkEnøg

KuNvibtiþ ³ - GacmankarEkøgbnMø ¬RkdasR)ak;Ekøgkøay¦

- qab;Tk;exÞc cMNaykñúgkarplit kardwkCBa¢Ún nigkarEfrkSaeRcIn

- minGaceRbIR)as;sRmab;TUTat;ry³BIcMgay

- gayRsYlkñúgkareFIV[eTACaluykgVk; ¬karCYjdUreRKOgeRjón sMNUk¦.


EpñkTI 3 ³

TidæPaBrYménsPapat;Tat;km<úCa

]bkrN_TUTat;Edl)aneRbIR)as;enAkm<úCa eRkABIRkdasR)ak; rYmman mUlb,Tanb½Rt rUbiyaNtiþ karepÞr nig b½NÑTUTat; ¬b½NÑ\NBn§ nig b½NÑ\NTan¦.

mUlb,Tanb½RtRtUv)aneRbIR)as;eRcIn kñúgenaHmUlb,Tanb½RtcarwtCaR)ak;duløarGaemrik manbrimaNnigTwkR)ak;eRcInCagmUlb,Tanb½RtcarwtCaR)ak;erol.

sPapat;Tat;TIRkugPMñeBj)anbegIáteT,IgBIEx FñÚ qñaM 1993 sißtenAeRkamkarRKb;RKg rbs;naykdæane)aHpSaynigXøaMgebT,a edIm,IdwknaMkarpat;Tat;RbcaMéf¶nUvmUlb,TanR)ak;erol cab;BIéf¶TI 01 Ex mifuna qñaM 1996 sPapat;Tat;RtUv)anepÞr[mksißteRkamkarRKb;RKgrbs;naykdæanRbtibtiþkarvij.

qñaM2006 FnaKarCatiénkm<úCamanTisedAbegIátsPapat;Tat;enAsaxaFnaKarCatiénkm<úCa Edlmanesdækic©rIkcMerIn mansaxaRKwHsßanFnaKar nig hirBaØvtßúe)aHTItaMgeRcIn dUcCaenARkugRBHsIhnu extþesomrab extþ)at;dMbg CaedIm.


cab;BIedImqñaM 2001 FnaKarCatiénkm<úCaseRmcdak;[dMeNIrkarsPapat;Tat;mUlb,Tan

b½RtR)ak;duløarGaemrik TnwÞmKñanwgsPapat;Tat;mUlb,Tanb½RtR)ak;erol. dUecñH sPapat;Tat; eFIVRbtibtiþkarpat;Tat;mUlb,Tanb½RtTaMgR)ak;erol nig R)ak;duløar.

bc©úb,nñenH sPapat;Tat;mUlb,Tanb½RtR)ak;erolmansmaCikcMnYn 15 kñúgenaHman FnaKarBaNiC¢cMnYn 12 FnaKarÉkeTs 1 rtnaKarCati nig FnaKarCatiénkm<úCa.

cMENksPapat;Tat;mUlb,Tanb½RtR)ak;duløarGaemrikmansmaCikcMnYn 17 kñúgenaHman

FnaKarBaNiC¢cMnYn 14 FnaKarÉkeTs 2 nig FnaKarCatiénkm<úCa.


EpñkTI 4 ³

kic©dMeNIrkarsPapat;Tat;

sPapat;Tat;dMeNIrkaredayGnuvtþtamRbkascMnYn 2 rbs;FnaKarCatiénkm<úCa Edlman

lkçN³CabTbBa¢aénkarpat;Tat;. RbkasTaMgBIrenH kMNt;GMBIkarTTYlxusRtUv nig katBVkic© rbs;smaCikTaMgGs;kñúgsPapat;Tat; RBmTaMgkic©dMeNIrkarénRKapat;Tat;sMxan;enAema:g 9³30 naTIRBwk nig RKapat;Tat;bnÞab;bnMSenAema:g 3 resol.

sPapat;Tat;km<úCaGnuvtþ RbB½n§TUTat;suT§ nigmanlMdab;lMdaydUcteTA ³

- karpat;Tat;bBa¢Ún (Clearing

Presented)tRmUv[smaCikcUlrYmnimYy²bBa¢ÚneTAsPapat;Tat; nUvmUlb,Tanb½Rt edIm,IRbKl;[eTAFnaKarecjpSaymUlb,Tanb½Rt.

- karpat;Tat;TTYl (Clearing Received)

tRmUv[smaCikcUlrYmnimYy²TTYlBIsPapat;Tat;nUv mUlb,Tanb½Rtrbs;FnaKarxøÜn EdlsmaCikdéTbBa¢ÚnmksMueFIVebT,anic½y[GtifiCnrbs;eK.


dMNak;kalTaMg 2 RbRBwtþeT,IgkñúgRKapat;Tat;sMxan;Edl)ankMNt;CaeTogTat;enAevlaema:g 9³30naTIRBwkénéf¶eFIVkar. smaCikcUlrYm RtUverobcMtaragKMrU

PPC001 sRmab;FnaKar TTYlnimYy² EdltaragenHerobrab;GMBImUlb,Tanb½RtbBa¢Ún nig Flash

kMuBüÚT½rEdl)anpÞúkRKb; Tinñn½yTaMgenaHpg. smaCikenaH RbKl;mUlb,Tanb½RteTA[smaCikcUlrYmEdlBak;B½n§ tam taragKMrUxagelI edIm,IykeTAFnaKarerog²xøÜn nigsRmYlkarTUTat;.

TnwÞgnwgkarRbKl;-TTYlmUlb,Tanb½Rt smaCikRtUvRbKl; Flash [GñkdwknaMpat;Tat; cab;dMeNIrkarpat;Tat;edaykMuBüÚT½r edIm,IKNnanige)aHBumÖecj nUvtaragKMrU PPC002 (Phnom Penh Clearing House) . KMrUenH erobrab;BIkarTUTat;suT§ tamFnaKarCasmaCiknimYy² bnÞab; mkeTIbe)aHBum<taragKMrU PPC003 Edlerobrab;srubénkarpat;Tat;rbs;smaCikTaMgGs;.

bnÞab;BIRKapat;Tat;sMxan;RbRBwtþeTAcb;sBVRKb;lT§plpat;Tat;RtUv)anbBa¢ÚneTAkariyal½y RKb;RKgKNnI edIm,IbBa©ÚlR)ak; ¬cuH\NTan¦ b¤dkR)ak; ¬cuH\NBn§¦ KNnIpat;Tat; ¬KNnI crnþ¦ rbs;smaCikBak;B½n§.


- karpat;Tat;bgiVlvij (Clearing Returned)

RbRBwtþeT,IgenAevlaema:g 3 resolénéf¶ dEdl KWCaRKapat;Tat;bnÞab;bnMS edIm,IeFIVkarbgiVleTA[FnaKarRbKl;vij nUvmUlb,Tanb½Rt

TaMgT,ayNaEdlminGacTUTat;)an edaymUlehtuNamYykñúgcMeNammUlehtuTaMg 18 Edl

manEcgkñúg]bsm<½n§ 3 énRbkasTaMgBIrxagelI.

dMeNIrkarénkarpat;Tat;bgVilvijenH eFIVeT,IgRcasBIRbtibtiþkarkñúgRKapat;Tat;sMxan; kalBIeBlRBwk.


mUlehtuTaMg 18 énmUlb,Tanb½RtminTUTat;EdlmanEcgkñúg]bsm<½n§ 3

1-sMviFanvtßúKµan b¤minRKb;RKan; 10-xVHRtarbs;bhar½k {krNImanEcg}

2-siviFanvtßúminTan;)anCMrH11-xVHhtßelxarbs;bhar½kcMeBaHkarpøas;bþÚr

3-bBaÄb;karTUTat; 12-minecjpSaytamKMrUFnaKar

4-buerbriecäT nig kalbriecäTminRtwmRtUv 13-mUlb,Tanb½RtexÞcxIÞ

5-hYskalbriecäT ¬elIsBI 6Ex¦ 14-KNnIRtUv)anbiT

6-cMnYnCaGkSrnigCaelxxusKña15-KµanKNnI

7-xVHcMnYnTwkR)ak;CaGkSr 16-hhar½kTTYlmrNPaB

8-htßelxarbs;bhar½kxusBIKMrU17-bhar½kFnkS½y RtUvCMrHbBaI¢

9-xVHhtßelxarbs;bhar½k 18-KNnIXat;Tuk {bgák}


cMnYnéf¶ cMnYn TwkR)ak; cMnYnéf¶ cMnYn TwkR)ak; cMnYnmUl b,> TwkR)ak;TUTat; mUl b,> TUTat; mUl b,

1 2 3 4 5 6 5/2 6/3119 12.461 178.234,37 116 8.914 208.818,69 72% 117%

tYel xpat;Tat;qmasTI 2-2004tYel xpat;Tat;qmasTI 1-2005karpat;Tat;qmasTI1-2005eFobnwgqmasTI 2-2005

taragsißtipat;Tat;mUlb,Tanb½RtCaR)ak;erol

qmasTI 1-2005 eFobnwgqmasTI 2-2004


cMnYnéf¶ cMnYn TwkR)ak; cMnYnéf¶ cMnYn TwkR)ak; cMnYnmUl b,> TwkR)ak;TUTat; mUl b,> TUTat; mUl b,

1 2 3 4 5 6 5/2 6/3119 87,242 667,816.98 116 90,367 799,277.29 104% 120%

tYel xpat;Tat;qmasTI 2-2004 tYel xpat;Tat;qmasTI 1-2005 karpat;Tat;qmasTI1-2005eFobnwgqmasTI 2-2005

taragsißtipat;Tat;mUlb,Tanb½RtCaR)ak;duløarGae

mrik

qmasTI 1-2005 eFobnwgqmasTI 2-2004

chapter 9 1 karerobcmspapat;tat;mu lb,tanb½rtr)ak;erol nigr)ak;duløargaemrike nakm

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